5 Tech Changes That Will Shape the Way You Bank in 2025
Written by
Chris Adam
Edited by
Amber Barkley
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The leaders of major banks in the United States are waiting to see what regulation changes might take shape as President-elect Donald Trump takes office again in 2025. At the same time, many bank customers are wondering what changes may come for them in the new year.
Over the past year, customers have already seen further integration of technology into their banking services. Along with tech disruption, economic uncertainty and changes in consumer behavior are likely to lead to more surprises for banking customers.
Forbes wrote, “Midway through the decade, established institutions face unprecedented pressure from challenger banks and fintech disruptors while racing to implement AI solutions and enhance customer experience.”
Here’s a look at five tech changes that will likely shape the way you bank in 2025.
Fintech Innovations
You may have a vague idea of how innovations in financial tech impact your everyday banking. After all, many banking customers have embraced digital options for everything from savings to checking to deposits.
You can expect 2025 to be a year of even more fintech innovations that’ll likely impact your banking on at least some level.
Per American Banker, “Digital banking technologies — including artificial intelligence, analytics, personal financial management software, internet of things, voice banking, banking as a service and fintech innovation — are converging toward one end goal: invisible banking.”
Invisible Banking
Despite how high-tech the term “invisible banking” may sound, most customers have already experienced it. That’s because invisible banking, according to American Banker, is banking you don’t have to think about.
Some examples of invisible banking in this sense might include when you tap to pay. Or the bank tech offers you a loan at the time you need it when making a purchase. American Banker predicted technology continuing to develop to the point that invisible banking is the default.
Chatbots
You may prefer to do your banking in a building and talk to a real customer service agent. If that’s the case, you may not like where banking appears to be headed in 2025.
Those chatbots and artificial intelligence assistants that are already deployed in many banks are predicted to become more common and more sophisticated in this new year.
“As we head into 2025, we will see these bots begin to evolve into agents capable of handling tasks that require multiple actions and far more complex problem-solving skills,” Forbes reported. “These automated customer service agents will be capable of offering proactive support, anticipating customer needs and creating a far more personalized and seamless customer experience.”
AI Financial Planning
Speaking of AI, it’s likely 2025 will be a year when more banks find ways to use the tech to help customers with financial planning.
You may experience a situation where an AI financial advisor uses your data to offer advice about the best ways to use your money and plan for the future.
Sustainable Products
As noted by Forbes, customers increasingly want sustainable and ethical financial products. That could mean demanding opportunities to invest in renewable energy options or investment funds focused on doing things that are said to be good for the environment and social causes.
For banking customers, that might look like receiving more information about energy use and carbon emissions from transactions and advice about making financial choices that have less impact on the environment.
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